Mental breakdown....sorry so long

So my fiancé was in an accident in my car around this time last yr. My insurance had apparently lapsed because of a bank mix up. Anyway yes it was his fault. We tried to work with insurance. Then nothing ever happened with it they stopped talking to us. Well all the sudden I get something in the mail addressed to ME. $26,000!!! Last we had heard the total was $8,000 after everything was said and done! So we call....I got the bitchiest women you can think of. I tell her we want to go ahead and start to pay on this. She said "well can you afford to pay $13,000 right now? Normally that's our requirement" uhm no! Really?! So I proceed to tell her I am about 4 weeks from giving birth (not that it's an excuse because it's not but I'll be on leave soon) but what's the least I can pay....."$250 a month for at least 12 months." I explain that it is an unrealistic thing for us right now and she says "You should have had insurance and been paying attention!" Who they FUCK are you to judge me?! You don't know what happened and here I am trying to pay and your being a bitch!!!! I ask here if there is anyway it can be reduced because literally we will have 1 income. She gets mouthy about how paying my bills, supporting my child, and all this isn't her issue I should have had insurance. Okay I totally get that but when it was like a bank mix up in had no control over, then sorry!!! I then proceed to get pissed off and go "can you afford that?" And she said no. Well then there ya go bitch!!! Ugh...I feel like a horrible mom....I can't even support my child....I feel like I should give her up for adoption so she won't have to struggle this way....me and her dad work 40+ hrs a week. It's not like we don't pay shit but come on.....